why i turned down full-rides for $250k of student debt at harvard

[@YourBestFriendforToday]

A full ride to Columbia……

[@Dreamvillian2024]

That’s what I said!!! 😶

[@AnaCristinaish]

Kind of annoying because Columbia is ranked above Harvard!! But her explanation made sense I GUESS lol. If you can swing it, do you what makes the most sense for you. Hopefully the full ride went to someone else

[@maraphernalia]

@@AnaCristinaish she literally said she didn't choose her law school for academic reasons

[@shaniarafeli478]

@@AnaCristinaish kk loll l

[@coffeemug3009]

Harvard is overrated. Lol. I used to think how awesome it was watching legally blonde. Then I went to Boston to visit a friend and realised harvard is just like any other college. If I wanted the harvard experience, I could have just go there with friends and socialise or have a weekend gateway. Not worth throwing away 250k.

[@jamahlapoynter8774]

I mean as an actual lawyer a full ride at Columbia would have probably got you to the same place.

[@wabdih]

Yea but you're missing the point. This video was a flex

[@orueom7720]

@@wabdih 🤣🤣

[@Johnny-ci8mw]

Heck no. It’s not worth $250k. If anybody is watching this, please take as many scholarships and grants as possible. This girl either comes from a rich family or is delusional.

[@fauxskull5982]

She definitely comes from a rich family. Someone who doesn't have 250k sitting around will NOT be this stupid.

[@NoName-sp5dp]

@@fauxskull5982 that's normal graduate debt. Have you went to grad school for anything STEM?

[@20891]

@@fauxskull5982 you’re right . She knew she got backup, If not, then it’s the most stupidest decision ever. It’s ego and elitist which is very conceited to me. I have a cousin who is like this , he sends his kids to boarding schools and buys big homes only to have no one live there. Pathetic and stupid

[@rory.boryalis]

It’s not work it to you. That doesn’t mean that it’s not worth it to the person who went through it. And the fact that you assume anybody who does something for themselves rather than for the money is either stupid or rich reflects more on your than it does her. Getting your education isn’t just about the money spent, but the opportunities one will have. If you could get a full ride to a school that had your major, but not a lot of chances to explore outside of that versus a school that you would have to pay for but had so many programs and ways to network and explore, you would only get so far with the degree you got for free. Sometimes, people just work hard in order to get where they are. And it isn’t always people who come from wealthy backgrounds that do this. Some people just think a little more than just money.

[@dhenderson319]

​@@NoName-sp5dp I'm about to My options are between no loans, $60k loans and $180k loans. I don't even want the 60, so 250 sounds insane

[@diamondz4lfye313]

Girl be honest, you just wanted to go to Harvard because it’s “Harvard” lol

[@Aj-sn1dp]

Or she had personal requirements like she said lmao. Columbia is ranked above Harvard anyways so if she actually cared she would have gone there instead.

[@benjaminkim2216]

colombia and nyu are just as prestigious, if not more in the law field.

[@littleceasar9351]

Having a degree from Harvard essentially guarantees that you will be extremely wealthy and prosperous, as will your family for generations to come.

[@Albert-jt4mf]

@@Aj-sn1dp now? Not then?

[@Albert-jt4mf]

@@littleceasar9351 or maybe the type of people that matriculate to harvard are ones that will be successful in life regardless of where they go to school

[@erinstar141]

Did you think that you wouldn’t be able to make lifelong connections and have fun at NYU or Columbia? I’m sorry but those are not top priorities when it comes to $250k of debt. Yes you wanted to enjoy your 3 years of law school, but it’s also only 3 years. Your career will be triple that and your debt will follow you that long too.

[@KP-ej7gc]

Rich people problems.

[@nanaa428]

yep, i have a full ride to NYU and it is absolutely amazing. I didnt even bother applying to ivies because (well to scared to be rejected lol) my parents wanted to pay for my university degree and i didnt wanna burden them. Even then, its not like NYU is lacking lol

[@billcaan4192]

Exactly!!! Ppl these days can't even be uncomfortable for a short time 250k for the reasons she mentioned is like me saying I bought 200k over a 50k car because the former came with a free car jack and for me a free car jack is worth l money.

[@NekoChanKarate]

Did you just imply her career will only last 9 years? 😂

[@allsmilez13]

They were top priorities for HER. She's got a degree from Harvard Law. She will pay off the 250K and still make more money than the average American.

[@MsClaudiaDuran]

"Do I regret taking out a quarter of a million dollars in student loans? No." ... and that's why we have a student loan crisis.

[@CeceXie]

i disagree. i’m able to pay it off, which is a much different scenario than most with student debt

[@jlf115]

@@CeceXie great that you could- most can’t tho. that’s the point. glad it’s working for you, bc your advice isn’t good for most. I do appreciate your honesty in sharing though. respectfully i think it is not advice anyone should take.

[@billcaan4192]

@@jlf115 yes! No one shud take this bogus advice and even if u cud pay it off its 250k damn she cud have take the loan out and invested it whilst going to Colombia and she cud have made millions who knows damn ppl these days ..

[@kenzdomyuji8387]

@@jlf115 she literally gave personal reasons and said that it isn't for everyone....

[@romeothompson9389]

@@jlf115 that’s why she said does “she” regret her student loans notice she didn’t say should you or Joe blow whatever regret their student loans the video was about her and her only

[@annielynn8730]

Honestly, going through a university that give round grades rather than + or - made life so much easier. A 91 and a 105 class average look the same on a transcript it was great

[@nzmanhdee6246]

Gpa inflation much

[@annielynn8730]

@@nzmanhdee6246 where?

[@taylor2735]

@@nzmanhdee6246 not really

[@analicollari2108]

What school does that

[@annielynn8730]

@@analicollari2108 quite a few, easy google

[@NotTotallyHopeless]

I went to law school and made the opposite choice. Fuck the best schools, I went to the place I had a full ride to. I appreciate your perspective, and you did go to the better school, but now we have the same qualifications, took the same classes, and appear in the same court rooms. Only difference is I have no loans I'm paying off.

[@billcaan4192]

Winner! Seriously imagine paying 250k bcs u want to have a little more fun and now she dropped her career bcs she not having fun in corporate law. How sad cud have been debt free and then leaving law wud have been ok. Oh well hope she had fungor those 3 years

[@jomedi12]

Who are you trying to convince, me or yourself?

[@CeceXie]

no one-most people should take the money

[@InspirationalSmiles]

Lmao on her channel 🤔

[@user-li7gm7gv3v]

LMAO

[@helili]

girl get out we know you just wanted to say you went to Harvard💀

[@natalina8593]

Dude seriously? Just because you can’t get in doesn’t mean others can’t get in.

[@johnny5896]

high on copium and regrets for sure. Trade 3 years for at least 10 years of grinding rat race to pay that back.......

[@issasecretbuddy]

10 years of grinding? maybe for you lol. how much do you think she makes?

[@CindyWarren2004]

She earns a lot so in the end it worked out for her. You make your choice and she makes hers

[@puffball4484]

Graduating from Harvard law is pretty much a sure fire way to land a 100,000 dollars starting salary at a prestigious firm. My cousin went to Columbia and paid his loans off in two years.

[@xxjcipes]

@@puffball4484 But your only looking at it from one angle. All choices have opportunity costs. Let’s say she goes to Columbia on a full ride. She would still probably get a job paying in that same range, and then in those initial years she would have saved up 200-250k instead of first having to pay back that much in debt before accumulating savings/money to live off of. A very stupid decision that she is obviously trying to cope with.

[@romeothompson9389]

@@xxjcipes seems like your sweating the decision harder then she is lol doesn’t seem to bother her whatsoever but on the other hand it seems like it’s rocking you to the core don’t you think that’s a bit odd you care that hard ?

[@vaanipapadakis2226]

It kind of gives me the vibe that you really didn't wanna go to law school but were being forced?

[@leonardodecrapprio382]

Yeah... she definitely was forced... unfortunately. It's not her purpose

[@jasmine8926]

“You might think I’m stupid for taking on a quarter of a million in debt.” Yes, yes I do

[@ElomNucks]

this is what narcissism looks like lol

[@jlf115]

that’s beyond dumb. 250k to piss away bc they didn’t have +\-

[@shayslay3416]

She's a lawyer. She makes 180k a year as a new grad. 250k ain't shit lmao. Especially when she'll probably hit 300k in 3-5 years, and 500k in 10. Much better than the national average of 40k per person.

[@calvinfan6330]

Lol 250k harvard law aint bad she mostly probably went for harvard name over anything else. When you see kids taking liberal arts, black studies, art, and cant get a job. Coming out of school making 150k it’s easy to pay back 250k

[@jlf115]

yes- I know she makes good money- but this is NOT the average or anywhere close to the average for what most attorneys make today. Thus- it’s disingenuous and ridiculous to act like those are valid reasons for turning down a full ride to a prestigious school like NYU. Yes- it worked out for her in the end, guarantee it won’t for most. You shouldn’t pick schools based on +/- (and I say this as someone graduating debt free from law school in two weeks!) I worked my way thru and got my employer to pay for an affordable state school.

[@danacaro-herman3530]

@@jlf115 That's awesome, good for you!!👍

[@JaymiKit5une]

@@jlf115 She literally said that if she was anyone else, she wouldn't have done it - they were valid reasons for her at the time and so she did what she wanted to do. At no point during the video did she recommend anyone else do it. Just let people be people, damn 🙄

[@mkultra2393]

Friend of mine went to state schools for undergrad and law school, she still owes a little under $200k. Not too shabby for Harvard!

[@lotusgrl444]

sadly its true plus I hear the more elite schools give more $ in financial aid

[@collierincolor8972]

I will be taking the money but I value this perspective!

[@CeceXie]

good for you!! you're going to feel so much freer after graduation

[@johndoe-fq7ez]

Just scrolled through the comments and noticed how sweet and patient you were in your responses now I’m interested in more of your content

[@philipmorrone5717]

Had a similar choice (but with Stanford vs Cornell and NYU). I took the full ride in the end, but I can not blame anyone if they pick the HYS choice, especially if they have the means. Honestly, they were all amazing choices and people just need to do what is right for them

[@KYYOLO_]

The fact that you could “choose to goto Harvard”…. Hahaahhahahahahahahaha yes sis, I didn’t have that choice 😂

[@lennartmakkink7427]

Honestly, good for you. Three years of your life in experiences are worth more than money, especially if you know you'll be in a position that allows you to repay your loans well

[@solsist3989]

She spent a quarter million to have fun and not have a plus and minus on a piece of paper. Crazy

[@CeceXie]

And it's still worth it to me!

[@merriem24]

Harvard is great at marketing

[@billyt.1754]

Or just study in europe where higher education is almost free and salaries are great 🤷 I have an american friend who moved to Munich to study computer science at TUM (best engineering school in Germany besides RWTH Aachen). At TUM you only pay about 300€ every 6 months but this includes a public transportation ticket and you get lots of benefits for city activities. It was cheaper for him to move to europe rather than studying in his home state California. Without any debt he got a job at Google in California .. Now he doesn't pay a single dollar for any loan and lives a great life.

[@giraffe6580]

That sounds amazing!

[@Aj-sn1dp]

Why are you saying it like it’s some easy option for people to do lol There’s also an issue with how things transfer back to the US degree wise. Just because you get a law degree in Europe doesn’t mean it’s easily valid anywhere else

[@billyt.1754]

@@Aj-sn1dp Yes it's true, for certain degrees I would say it's not easy, especially law. But I specifically mentioned computer science. It's definitely a good option if you want to study in the STEM field, having a good education in a prestigeous university while paying almost nothing. And changing degrees is not a problem at all! We also have the Bachelor and Master degree system and universities in europe can transfer your grades to another system if preferred. That's the smallest issue. But as I said: it makes most sense to see it as another option if you want to study in a STEM field. You are probably saving more money when moving to europe rather than studying in an Ivy League university. If you consider the cost of living and tuition fees in Munich, it'll cost you a fraction of what you would have paid for the tuition fees alone in well known American universities.

[@alqoshgirl]

Europe does not pay more than US as an engineer! Average salary there is 60k with high taxes. In the US it’s 120k. My husband did computer science. He went to a local university with lower debt that can easily be payed back. So no, going to Europe is not the best option. I’m from Europe btw, and although school is ‘free’, it’s really not per se the best either.

[@billyt.1754]

@@alqoshgirl I didn't say you can earn more in europe than in the US. I specifically pointed out that you can study in europe and go back to the US to save money. Just as my friend did. I didn't say anything about staying in europe afterwards. If your focus is to make big money than considering to study in europe and working in big tech in the USA afterwards is a great option! And don't forget that as an American you gain more foreign knowledge and experience which is highly valuable in business. You won't get that if you study in the US only. That's how my friend sees it and that's also a reason why he got a job at Google in his home state California, after graduating in Computer Science in Munich!

[@kyv2431]

The amount of subtle flexing is so conspicuous.. Her whole channel is dedicated to going to Harvard lol.. As a fellow ivy league alumni (not Harvard though), I find this extremely cringe.

[@CeceXie]

i think i actually mention yale more than i do harvard...

[@earthstar7534]

"3 years of my life i can't get back." Child, what is that interest rate!?!? Yall Don't be this girl. Life is long. By 35 you'll completely forget university.

[@laurNsG]

Idk how it works in the states but my mom works for the largest firm here in Canada and she says that they take the two top of class students from each school. The more prestigious schools are much more competitive so its much harder to be the top of your class. She always recommends going wherever for undergrad, but going to a “second” tier uni for law school. (Here altleast the only difference is that the “second” tier schools haven’t been around as long and dont have the same ‘established prestige’ but the quality of education is just as good.

[@littleceasar9351]

When you’re pretty much guaranteed to be in the top 1% of earners within a few years of graduating, $250,000 is peanuts.

[@X99Zero]

Correct

[@MrBjorn6]

But she was guaranteed that with a Degree from NYU Law and Columbia Law with much less debt 🤔

[@X99Zero]

@@MrBjorn6 reverse discrimination, now you get a massive advantage if you’re not caucasian, especially at top companies. They need to showcase diversity. Also being openly lgbtqxyz will boost career.

[@nanaa428]

@@X99Zero what?

[@X99Zero]

@@nanaa428 yes

[@BasedDon69]

Dont understand all the hate. You were an adult and understood the consquences and acted on them the way you wanted. I think these people just jealous you went to such a good school

[@alcoholly18]

Plus she's actually taking responsibility for the debt and not demanding others pay for it

[@TimidAction]

Yeah I’ve seen a few of her videos, the hate she gets is just weird. Maybe it’s because people want successful people to act more humble. But she doesn’t even brag

[@rachelpelton8404]

People act like she is going to pay off these loans in a year and a half because her salary will be so high. Do you forget about bills? Cost of living? It'll still take her a little while to pay this off. I would've gone with the full ride instead of spending that money.

[@Sabrina-he5xd]

The ending really made me understand your perspective more. 3 years of your life is a long time & when you put it that way, it most certainly tops settling for a full ride at a school you wouldn’t feel fulfilled at (but of course this perspective can be looked at many different ways depending on a persons situation) So, at the end of the day, do what makes most sense for you! Props to you, CeCe! I’ve been loving your shorts & full length videos. Keep it up:)

[@CeceXie]

thank you so much, sabrina! i definitely would advise most others to take the scholarships, but i’m happy with my own decision. thank you again for watching and commenting, and i can’t wait to get my content workstream more streamlined for y’all!

[@Bleyluige]

When both of your parents make 250k each a year, 250k is not a big deal

[@cocoandpika]

no need for any type of hate in the comments - it’s her money and her life. :) If you’re able to get a well-paying job after graduation and are able to pay back your debt then why not take out those loans? Also, if she comes from a more privileged background, it might’ve been easier for her to focus on other factors besides the cost, such as wanting to live somewhere new, etc., when choosing what school to go to.

[@billcaan4192]

For godsake criticism is not hate miss millennium just bcs ppl don't agree with her its not hate it's an opinion it's a criticism if ur professor gives u a C on your essay is it bcs he is a hater come on

[@hellothankyou2880]

you literally could just go to a state school most employers don’t necessarily need you to be a harvard graduate unless you’re going to work for prestigious law firm or something but it’s just unneccessary for us as a society to pressure young folk to immediately get into an ivy league right after highschool.

[@woodlandhsarchives]

everyones mad. shes just sharing her story and isnt forcing that onto anyone lol. YALL WISH YALL HAD THAT FULL RIDE AHHH

[@godmadesam]

This lady is absurdity incarnate.

[@lizzie5734]

Honestly sounds like you didn’t want to go to law school and was kinda forced into it so I don’t think that $250k was worth it. Personally, if I was in that position, I’d be damned if I was gonna go into debt to do something I didn’t want to do in the first place. I would have gone to nyu or Columbia and got the 3 years over with so that I could get to doing what I want afterwards without upsetting my parents and without debt. That would have been the best outcome for me. Got the degree, got my parents approval, no gap year, no debt, and now I got money to travel and gogo dance and whatever else afterwards! But that’s personally me and I’m glad you don’t regret your decision which is great!! Everyone has a different thought process!

[@Lizzie-dm6ox]

That’s really smart! I’m going to make sure to think about this when I get to choosing a law school.

[@porkypine602]

Pick the money for the love of God. Unless you meet Jesus Christ in ur stay at law school it is not worth $250,000

[@anthonyponafala7973]

I'm confused. You value 3 years over 30 years of student loans?

[@NoName-sp5dp]

She already paid it off. Yall don't listen

[@anthonyponafala7973]

@@NoName-sp5dp she quite literally never says this. Like ever. Nowhere in the video...

[@MrBjorn6]

@@NoName-sp5dp she hasn't already paid it off, don't you listen 👂🧐

[@steviexo7238]

People in comments don’t know Columbia is also an Ivy League. NYU is also a great school. And no place to explore at Columbia or NYU?? Have you been on these campuses? 3 years is absolutely nothing. Yikes.

[@kay-wj3jx]

a full ride? i’d take it happily

[@seriouslyreally5413]

I watched your video on how far your salary goes in NYC after paying rent and your student loans and realized if you had no regrets then why were you whining that you essentially had only 3K a month to spend on everything else? That you were essentially one of the hundreds of thousands of professional working poor living in NYC. To anyone listening, your student loan payment & the rent each were the cost of a mortgage payment in any midsized city in America so you were paying that to a landlord and a bank for the next 30yrs with nothing to show for it. 1. Because you can't afford to own anything if you're paying rent. 2. The sad truth about professional advancement in NYC is, as one of thousands of available junior law associates working in NYC your chances of breaking out and moving up in any law firm in town and making more money is pretty slim. Competition is pretty fierce for getting noticed and standing out unless that Harvard law degree came with a pedigree of which, if you had to borrow money to get, says that like the majority of your competition, you do not have. An Old Money pedigree with an Ivy League education are the only things that work in NYC. So just getting by for the next 30yrs means you've traded the less stressful experiance of three yrs at Harvard for the rest of your personal life after Harvard. No family; no home; no life beyond paycheck to paycheck. Or, you can pick another city to live in and grow professionally. Seattle, Portland, Dallas, Kansas City, the Bay Area even L.A. can give you a better chance than NYC because unlike the East Coast, the West Coast believes in entrepreneurs.

[@teza5876]

Haha you lost me at oh no i only have $750 per week of discretionary income. How terrible!! That's only $35,000 a year to spend on whatever i want.

[@Roscoe911]

Kudos.. Had couple of friends that went to Harvard Law. Would not surprise me if you are in mid-high six figures three - four years after grad if you work in NY for a big firm.

[@jbuggie4086]

There’s a lot of privilege and wishy washiness going on here.

[@josephus1983]

Privilege? She worked hard for the offers she received. I guess working hard does present it’s privileges. Don’t be lazy.

[@larisa138]

I think he meant that thinking 3 years of fun is worth paying $250k is privileged.

[@josephus1983]

@@larisa138 I understood. But it’s unfair and idiotic in my opinion to call something privilege when they worked hard to give themselves options. It’s hardly a privilege to carry 250k in debt. People who say others have privilege in a derogatory way are either mainstream media or lazy.

[@jbuggie4086]

@@josephus1983 It is privilege. Imagine getting scholarships to 2 Ivy league schools (how many people actually get that?) but then choosing to take on 250K in loans so you don't have to worry about + and _. Don't be ridiculous in not acknowledging that that's behavior born out of privilege and having choices. Then she goes and quits her high paying job. Not judging her choices but calling it as someone who is privileged and knows that regardless of her choices, she will be just fine.

[@josephus1983]

@@jbuggie4086 a privilege earned then. Don’t get me wrong, I think her choice was horrible, but she has to live with it, and I commend her for doing what she thinks is best. But just because someone worked hard and focused to have options in the future does not mean a thing. If everyone put in effort like her and the many others then the options would come. Most people won’t work that hard for options so life is often decided for them. Make the choices early and if you have kids keep them on track so they have options.

[@mayaford8674]

I understand her perspective, and I respect her choice. For me, I have my whole life to travel, see new things and experience everything I want so I would definitely sacrifice what needed to be done in order to be debt free. And I would not allow my parents to dictate my decisions especially if their not offering any money. When you come with a check, then talk to me.

[@safiaansari2932]

why are people so mad lol it’s literally your money. if you want to spend $250,000 on a new car or your mental health who tf cares

[@tahsinasukur2972]

It just sounds like a decision made for comfort more than the +/-s.

[@andtheywereroommates]

I would legitimately commit most crimes for a full ride to NYU. I can’t even imagine the ability to take out those loans and it not ruin my life.

[@pentupletv]

this comes off so insanely pretentious that it functions as a good reminder that harvard doesnt exactly mean smart

[@Sammy-t7x]

It is so sad that she had to do all this because her parents were not as understanding as her younger self needed.

[@Sammy-t7x]

It is also incredible that she turned it around into an advantage. What a legend.

[@swicheroo1]

I get it. For grad school, I got into pretty much all the Ivy's. There was a moment where I was debating between Columbian and Princeton. But I finally had to think about the fact that I wanted to live my best life during my 20's in a place where I could date. And which was diverse. I chose neither.

[@faizac2536]

is working/finding a job in NY harder if you go to columbia or NYU? i would think it would be easier

[@CeceXie]

location isn’t as important for top law schools, particularly for the NY legal market

[@Carolinepm]

I graduated NYU Law- I would say for private it’s about the same among the T14 but I would say NYC based law schools have an advantage re. NYC public interest opportunities

[@teejayyyyy]

“if i were most anyone else”?

[@allsmilez13]

Good for you! Only you can decide what's best for your life. ❤️

[@rezzob]

at least you are fully prepared for when you are going to need that law knowledge in less than 10 years

[@katelynbrown98]

How does she not have the opportunity to get a job in New York if she went to NEW YORK UNIVERSITY. Make it make sense. I'm glad it worked out for you and you are happy. I'm glad your personal needs were met bc that's more important than academic needs, however still id have a panic attack just thinking about paying off that much education debt!!

[@kc_lee_ann]

The +s and -s stress is probably worth it tbh cuz what’s a free ride gunna do if you’re ultimately stressed and unhappy and drop out?

[@defiantralph3327]

It’s Harvard I bet people gonna be more stressed.

[@kc_lee_ann]

@@defiantralph3327 I would argue that Columbia is on the same level - except with the + and - system little mistakes hold a lot more weight

[@EssenceEtienne]

The camera zooming is insane lol

[@therealryann5681]

The fact you think top schools like NYU and Columbia won’t get you into a top law firm is absurd. You went to Harvard just go go to Harvard.

[@CeceXie]

i didn’t think that-it was more about how stressful the process of grades would be the entire time

[@CindyWarren2004]

I whole heartedly agree with you 👏👏👏 The EXPERIENCE is worth the money

[@cindyan211]

I think people also forget graduate school loans begin accumulating interest the minute you took them, unlike undergrad, interest are deferred until six month after you graduate. That 250k with interest is gonna be like half a mill by the time she pays them off. There are way better investment options for those money. Eventually our goal is to reach financial freedom and not being in perpetual debt.

[@courtneyfink5880]

So your parents judgement of gap years along with the differences between +’s and -‘s, is what led to your choice

[@benjaminjones4008]

Have you paid it off? What’s your expected income? These are the questions I’m asking

[@lulamax7942]

Amen to that! I wish you explained this to ppl who do not understand college and why people go to college. It’s not always the studies and future careers, but the new life experiences you have along the way!!

[@KP-ej7gc]

That’s literally only a luxury that rich people can experience.

[@defiantralph3327]

Bruh what? I’ve been in school since I could talk I go to college to study and get my shit done and not fuck around schools are competitive today and A’s are mostly the standard grades now.

[@lulamax7942]

@@defiantralph3327 , that’s your choice . I got straight As too and also have found new social groups and new hobbies. College is a great way to work hard for your grades to learn or to get a job you want after graduation and it is also a great place to meet different people and experience different experiences than you would in other settings. It’s a good opportunity to grow and learn as an individual, whether that means just studying, just playing, or both.

[@lulamax7942]

@@KP-ej7gc that isn’t true. My parents were extremely poor and I worked hard for scholarships and grants and also put in student loan debt to study.

[@KP-ej7gc]

@@lulamax7942 I was chronically ill in high school so I didn’t make the best grades bc of my pain. Parents and older sibling took out student loans and I will not make that same mistake. Plus my parents are in so much debt now they would not take out any loans for me.

[@JB-sv5pr]

Let’s just say Mass is happy to take your money !

[@mariamshah338]

I don’t understand why everyone’s getting so upset. She’s not telling you what to do, she’s telling you why SHE did what SHE did. What’s best for you and what’s best for her are two different things.

[@DIYDalia]

🥺 that you couldn’t take a gap year

[@CaptTrylaScott]

Revisit the question again in a couple of years and see if your opinion changes based on your reasons.

[@CeceXie]

it's been nine years, and my opinion hasn't changed

[@CaptTrylaScott]

@@CeceXie see again in another nine. It's not a choice I would make. I try not to judge others based on what I would do. But when you hit the 20 year mark and still paying your debt... you may reconsider the value then or have better reasons. I hope it's the latter. Best of luck!

[@CeceXie]

i won’t be paying it off in another 9. maybe take your first piece of advice there

[@CaptTrylaScott]

@@CeceXie thanks for taking the time to address my comment. Twice! Hopefully the other comments dont get you down. Make the choices that serve you... or whatever

[@spooder1801]

I did some calculations, and if you paid 250k over ~1095 days , that's about 230$ per day for the Harvard experience 🤠 Lawyer earnings should hopefully be able to put a dent in that though (if you treat em well)

[@alexispaige9703]

What was your childhood like? Pressure to succeed? Or like upper middle class?

[@JJones987]

Boundless narcissism. Annoying. “Hey everyone, look how smart I am!” Stop patting yourself on the back. We really don’t care.

[@xoxjelloxox]

What made your application stand out when applying to these schools? Can you make a video on that

[@leoalex2001]

250k 😳 fucking America.

[@josephus1983]

That’s her decision, not America. She had a free ride.

[@leoalex2001]

@@josephus1983 oh absolutely.. it's just an absolutely mind boggling amount of money

[@josephus1983]

@@leoalex2001 agreed. My daughter would carry all that debt on her own if she decided against a full ride. Tripping. Haha

[@mkultra2393]

@@josephus1983 Bingo! If you’re qualified for Harvard, you’re qualified for free rides at community college/state schools/local private universities/etc. She chose that debt.

[@MrBjorn6]

@@mkultra2393 But it was NYU and Columbia Full-ride 🤔 not state school. But she Did what was right for her at the time.

[@atomic_tubetop]

It's about hedging your bet. With my parents current finacial status (middle class) I would not take on loans for a career with a low chance of return on investment. Think theater, art, English, philosophy. Those are all degrees that can be worthwhile but they definitely are not as likely to be as profitable as what I am currently doing, computer science. Because I decided to invest in a career that is more likely to have a large salary I felt comfortable going to a small private school and taking on some government loans to do so. I am in a privileged position that I have my parents helping me pay for college and I could've avoided student loans by going to a large public college but small class sizes were important to me and it's a finacial investment but for me the risk was mitigated by the financial outcomes of career

[@paulmurphy8993]

The narcissism is strong in this one.

[@lemon_boii1074]

But like, she can afford it. Don't know if her parents are rich, but from the comments i gathered that she's doing well, so

[@elizabethm6657]

Bragging is tacky

[@MMARCOPPICASSO]

Ever work at a Pizza Parlor? 3 years I’ll never get back. Made a lot of friends. I can relate

[@kgiaaa]

Apparently law school is around 40k in aus, ofc I think it can be more if you want to go higher in your degree (don't quote me on that) but America is so expensive wth, also not sure if it's true heard Americans pay for uni straight up?? We have a system where they take bit of money out of your pay from work if you get paid enough.

[@kylemurdock60]

Two years into college without student debt

[@ibitha]

hmm. interesting. so you wanted to have fun instead of studying as much, so you chose HARVARD and $250,000 debt? seems like someone just wanted to say they went to harvard and is now justifying the debt that they will most likely spend the rest of their life paying off (but something tells me daddy might take care of this). very interesting.

[@CeceXie]

this is really judgmental and inaccurate. i hope you feel better about yourself now.

[@ibitha]

@@CeceXie oh so you wanted to be in a quarter million dollars of debt for the same education just the difference being it’s harvard and you wanted to “have fun”? and your parents aren’t helping you at all? very interesting.

[@billcaan4192]

@@CeceXie is she right though? Are ur parents paying it are u from privilege? U can't have fun at NYU.. hmm

[@kade3lt]

The difference between the two is worth 250K (before interest) or you value the other two at 0$. Of course this is insane. You should read Daniel Markovitz’s “meritocracy Trap”, he’s at Yale law with like 4 degrees-so you don’t discount his opinion.

[@n.c.4829]

3 years in school versus a lifetime of paying back debt...

[@cam8524]

I think she was earning over 300k a year in big law after she graduated so probably won’t take her a life time lol

[@mireillelevy5320]

Oooo that point you made about + and - on grades is gold! That was the best decision you made

[@qwest4one411]

That's crazy

[@ECO473]

Columbia is just as Ivy as Harvard. Where do I sign???

[@billcaan4192]

Seems like she did this to spite her parents...

[@P34chy5c0n3]

When she said she wanted to work at NY after why not go to NYU it will be a new place (possibly) and you have a career there after you can plan out

[@CeceXie]

i wanted to go somewhere different for law school and where i would work after

[@sallunetta7333]

Can u please show Proof of all this???

[@ryokosmith9519]

This isn’t a good message to be putting out there. Some 18 year old will see this and think it’s justification to go to a private school and rack up $200k+ in loans for a bachelors in social work or education, neither of which will pay nearly enough to pay off that amount alone, and when you throw in an additional $100k+ for grad school, they are going to be drowning in debt for the rest of their life.

[@mimireuser5383]

Oh no poor privileged Asian woman… having to choose between three prestigious colleges and having full rides to two… darn such a hard life. 🥴

[@coffeemug3009]

Wait until 20 years down the line, see if that student debt was worth the three years at harvard. Harvard is no longer the ivy league it once was, extremely overrated. Remember it's 250k plus interest rate. Probably you'd regret all the compound interest and wealth accumulation you could have gained if you weren't saddled with debt.

[@FrankiePipesLV]

Could you imagine this first date. 🤯

[@mck8874]

Um didn’t she previously say she went to Yale too?

[@jillianturman7853]

I would just never tell anyone I took out $250k to go to law school so that way I wouldn’t feel the need to explain why I did it

[@CeceXie]

the reality of law school is that one likely needs to take out exorbitant loans in order to attend. we should all be talking more about it to learn from each other and our respective rationales

[@jannyz7617]

250,000 is 2/3 of what my house costs hello 😭😭😭

[@cbase06]

Although I cannot justify that price, If you see value in it, who I am to judge. To each their own.

[@notyounoo5812]

3 years she wont get back? What abojt the 30 years of paying of the student loans…

[@CeceXie]

at this level of expected compensation, it doesn't take 30 years to pay back those loans

[@LenaEliana14]

Tbh, I think you just wanted to do something that was your own and get away from your parents. You wanted to do so many things they were against, and this was your only way getting to choose for yourself. I’m glad you got to make that decision cause at least you feel happy and fulfilled now cause you got some freedom. It’s a lot of pay back but student loans are also the biggest motivation to keep up that work momentum. And you also don’t feel regret.

[@callmeosho7792]

Here I am trying to go to NYU law for full price and she throws away a free ride

[@heha9752]

You are saying this like it’s relatable… also, YOU WERE 22?! Why do you care about what your parents want for you? You’re an adult!